LLQP Accident & Sickness · Component 1.3 · 35% of the exam
An employer with mostly young, healthy employees asks whether group benefits are worth it. The agent should explain that the need includes:
- ALittle, since young staff rarely become sick or injured and claims will be minimal
- Protection for injury and illness, which strike young workers too, plus recruiting value
- CLong-term care coverage, since young groups qualify for the lowest available rates
- DExecutive benefits only, since rank-and-file staff turn over before the plan pays anything
Correct answer: B) Protection for injury and illness, which strike young workers too, plus recruiting value
Young groups price well and value benefits. Disability from injury and mental health is common among young workers. The group need is protection plus competitiveness.
Why the other options are wrong
- AYoung workers get sick and injured; mental health claims are common.
- CLTC is rarely a group need.
- DGroup plans cover all eligible employees.
Exam tip
Young group: low cost, real need, strong recruiting value.
Common mistake
Dismissing group benefits for a young workforce.
What this tests
CISRO competency component 1.3 — Assess the client's needs and situation — which is weighted at 35% of the Accident & Sickness module. Written against the published curriculum.
More from component 1
- The single most important fact for sizing a client's disability income need is:
- A client's beneficiaries for assets are listed in the fact-finding. Why does this matter for A&S planning?
- A client asks why the agent wants to know how assets are owned (jointly or individually). In the A&S context the answer is:
- A client mentions a back injury five years ago that fully resolved. The agent should:
- Which element of a client's situation most affects the definition of disability that should be recommended?
- Which of the following health facts is most relevant to a client's disability insurance situation?
Practice the whole Accident & Sickness module
Timed sets weighted like the exam, and review of every question you miss. Free to start.